The debris has been hauled off and the damaged structures were demolished or rebuilt.

But real estate agents can't find buyers for the homes and condos listed along this refurbished stretch of white sands and turquoise waters. Would-be beach dwellers are staying away, primarily because of soaring insurance rates in coastal areas statewide.

Only five of 354 residential properties on the market in Pensacola Beach sold in January.

Agents and others are counting on reforms signed into law after January's special legislative session on insurance issues to make adifference.

Many legislators say the session was a successful first round in Florida's fight against an out-of-control insurance system. But they say more has to be done in the coming months to keep Florida's economy out of a growing insurance quagmire.

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